But before the evaluation, there is a detailed introduction about ruitai Life. I suggest you collect it first. These materials are needed as an aid for the following:
Is ruitai Life Reliable? Pay attention to the product content ... "
I. Company Introduction: ruitai Life is perfect in strength!
If you want to know the strength of Ruitai Life Insurance Company, you can analyze it from the following two aspects:
1, the status of ruitai life insurance company.
Ruitai life insurance co., ltd was established in June 5438 +2004 10. Is the first joint venture life insurance company headquartered in Beijing, with a registered capital of 187 1 100 million yuan. The investors are National Energy Group Capital Holdings Limited and South Africa Qiwei Group Qiwei Life Insurance (South Africa) Limited.
At present, ruitai Life Insurance Company takes brokerage, bancassurance, group insurance, online sales and direct sales as its main business channels, and has seven branches and four other branches in Shanghai, Jiangsu, Guangdong, Zhejiang, Hubei, Chongqing and Shaanxi.
Some people here may ask, ruitai Life is a joint company, so which one is more powerful than Tongfang Global Life? Interested friends can open this comparative article to see the results:
Tongfang Life Insurance and ruitai Life Insurance compete on the same stage to see who is better? 》
2. The solvency of ruitai Life Insurance Company.
When it comes to solvency, we need to know the relevant regulations of China Banking and Insurance Regulatory Commission. If you want the insurance company to operate normally, the solvency standard should reach the following points; The core solvency adequacy ratio is ≥50%, and the comprehensive solvency adequacy ratio is ≥ 100%.
According to the solvency report of ruitai Life Insurance Company in the first quarter of 20021,its core solvency adequacy ratio and comprehensive solvency adequacy ratio are both 150.95438+0%, which meets the requirements of CBRC.
From the above, we can know that the strength of ruitai Life Insurance Company is not generally strong, so we don't have to pay for the insurance of this insurance company at all.
Now that we have mentioned products, can we buy critical illness insurance products from ruitai Life? If you buy it, do you have any recommendations? The specific introduction is as follows!
Second, product evaluation: Is ruitai Life Kangruibao 2.0 recommended?
Ruitai Life Insurance Company sells quite a lot of products. Take Kangruibao 2.0 as an example, so let's take a look at his critical illness insurance products. Is the purchase appropriate?
Not much to say, just go to the product drawing of Kangruibao 2.0:
According to the picture, Kangruibao 2.0 has too many guarantees, which not only has the highlights of this insurance, but also has shortcomings. The following students will tell you about it;
Advantages of Kangruibao 2.0:
1, the payment period is flexible and optional.
Kanghuibao 2.0 has two payment periods, one is wholesale payment and the other is installment payment. Among them, the longest installment period can be 30 years, that is to say, after a long period of time, the premium we need to pay each year will be less on average. If we get sick during this period and meet the conditions, we can be exempted. It smells good ~
In addition to this aspect, the advantages are not limited to this. In terms of security content, Kangruibao 2.0 is complete. Simply put, the three most common diseases, namely, serious diseases, moderate diseases and mild diseases, also provide additional compensation for malignant tumors, specific cardiovascular and cerebrovascular diseases and other guarantees.
However, after careful analysis of the terms contained in Kangruibao 2.0, you will understand that there are many shortcomings covered by this product, which are mainly introduced below!
Disadvantages of Kangruibao 2.0:
1, waiting time is too long.
The waiting period of Kangruibao 2.0 is nearly half a year, that is, 180 days. How can there be such a view?
If you die unfortunately 9 1 day after the insurance, and you voted for Kangruibao 2.0, the insurance company will not settle the claim at this time, but will only return the premium paid and the contract will be terminated.
On the contrary, if we buy a critical illness insurance with a waiting period of only 90 days, then we can get a reasonable claim. Through this comparison, we can see that for Kangruibao 2.0, its waiting period is a bit long, and it is really difficult to provide consumers with earlier protection!
2. The extra compensation for serious illness is low.
Kangruibao 2.0' s critical illness protection only has 1 compensation opportunity, and the extra 50% protection is before 6 1 year old, which gives everyone a good feeling, but in fact it is not too powerful!
In order to facilitate your understanding, let's give an example:
Under the same insurance coverage of 500,000 yuan, if a serious illness is diagnosed before the age of 60, Kangruibao 2.0 can only pay an additional 250,000 yuan, and excellent families can directly pay an additional 400,000 yuan. Compared with another product, the difference is 6.5438+0.5 million yuan, which is not a small sum. Can be used to treat major diseases!
Some people think that this critical illness insurance (Kangruibao 2.0) has a high extra payment for critical illness. Is it a slap in the face?
The above contents mainly include the strength of ruitai Life Insurance Company and the introduction of critical illness insurance products, and then Senior Sister will give you some useful suggestions ~
Third, the summary of the senior sister
To sum up, ruitai Life Insurance Company is very strong, so you don't have to worry.
However, in terms of insurance products, it is not the best. For example, Kangruibao 2.0, which was exemplified by my senior sister before, is equipped with comprehensive protection, but the proportion of serious illness compensation is not enough and the waiting period is too long. If you care about these shortcomings, then choose other products!
However, don't worry about buying critical illness insurance. Senior sister has sorted out some cost-effective critical illness insurance products for you. You might as well click in and have a look:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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